Insurance claim/hire car

[stealthwolf]

When I rang my own insurance company yesterday, they confirmed the third party had insurance. Would they have just used the same website?

[stealthwolf]

Okay so I rang another insurance company and they were able to confirm the third party was insured by them, but third party haven't rung them to put in a claim or anything, so haven't been able to ask them about hire cars etc.

Meanwhile, my insurance company state they've passed details on to the repair company but if when I rang the repair company, nothing's come through!

 

[vRSAlex]

Or the bloke gave false details? 

[stealthwolf]

Did wonder that. The third party insurers have confirmed the car is registered with them. But obviously they won't verify his details because of "data protection". So we know a car was registered with an insurance company but I really have no idea whether the guy was genuine or not. If my car was drivable, I would have gone and checked out his address to see if the car was there or not.

[Scottymon]

Depending how long he's been there and a bit of luck, check Google Maps Streetview, lol.  Let the hunt commence.

[stealthwolf]

It would help if googlemaps didn't blank the number plates. There are a couple of cars that match but difficult to tell.

[MAT ED30]

I had something like this happen to me a few years ago with my scooby,guy drove in to the back of me at traffic lights but was only minor damage but I rang his insurance company who said yep he is insured and rang mine and both said yep he is covered for me then to ring them the day the car was going into bodyshop to check insurance on guy and all was good, I then went to collect car a few days later to find out he was not insured its just the Mid database was not accurate to that day so guess what I had to pay my excess   . I went down every step to try get my money back but that was not happening as both me and my insurance company was out of pocket and as the car owner was no longer in ownership of the car and could not be located I got facked for it as I did not involve the police for something so minor as a cracked bumper and a damaged exhaust.  You can't trust anyone  

[stealthwolf]

Well in this situation, the third party vehicle is ensured with the correct insurance company - rang them direct.

Just spoken to my insurers for the third time and managed to get someone who rang the repair company whilst I was on the phone and has confirmed they have received the instruction. Now I have to wait for the repair estimate guy to come round (today or tomorrow) and check things over. Hopefully will be straight forward and then I can speak to the hire car company and get rolling.

But am tempted to take Berg's advice and just hire a car directly and take it from there.

[MAT ED30]

Yep that's how mine went all up to when I picked it up in fact it might have been a week after I picked it up it was then I found out oops guys not insured but I am sure you will be fine I just got a knob head 

[stealthwolf]

it might have been a week after I picked it up

Yikes! Didn't know that could happen. Particularly as I'd rung the third party's insurer direct. Assumed it would have been up to date on their computers even if not on the MID.

[berg]

He probably is insured but just has not reported it, happens all the time.

Even if he is not insured on that vehicle as long as he is identified the insurer has to deal as RTA insurer. eg Joe Bloggs gives you his details and address but it turns out Joe had taken his mates car without his permission and has not insurance whatsoever = insurer has to deal.

Vehicle is insured but keys taken from communal flat whilst policyholder was in the shower and he is not sure which of his flat mates took the car and you cant ID the driver who fled the scene = insurer does not have to deal and you must put claim through the Motor Insurers Bureau under the Untraced Driver Scheme.

[MAT ED30]

Yep tried the mib but unless its reported to the police at time of accident they don't want to know but they did try to trace the guy who hit me but could not find him

[Eccie]

stealth - did you take any photos at the scene? & did you snap the driver?

[stealthwolf]

Took pics of everything but in my haste forgot to snap the driver. Have already forwarded everything on to the insurance company.

[Deako]

Sorry to see this chap. Why not pay the bodyshop a bit "extra" and get them to do the whole side? ;)